Compare 2009 Kia Rio Insurance Rates

Looking for the cheapest car insurance rates for your Kia Rio? Price shopping your Driverscar insurance can seem to be slightly frustrating for people who are new to shopping for insurance online. You have so many options that it can easily turn into a ton of work to find the best premium rates.

Shop insurance coverage online

All the larger insurance coverage companies allow consumers to get coverage price quotes online. Comparing rates online is easy for anyone because it’s just a matter of typing in the coverages you want into a form. After you complete the form, their quoting system will order reports for credit and driving violations and provides a quote.

Being able to quote online helps simplify price comparisons, but the work required to visit multiple sites and type in the same data is a waste of time. Unfortunately, it is important to compare as many rates as possible if you want to find the best price on insurance coverage.

A quicker way to lower your rates requires only one form that analyzes rates from several different companies. It saves time, reduces the work, and makes rate comparisons much easier to do. After sending your information, it is rated and you are able to buy any or none of the returned quotes. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process can be completed in a matter of minutes and may result in a nice savings.

To quickly fill out one form to compare multiple rates now, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you replicate identical to your current policy. Doing this assures you will receive a price comparison based on the exact same insurance coverage.

Discounts to earn cheap car insurance rates

Auto insurance companies do not advertise every possible discount in an easy-to-find place, so below is a list a few of the more common and also the lesser-known discounts that you may qualify for. If they aren’t giving you every credit possible, you are not getting the best rate possible.

  • Save with a New Car – Buying a new car model is cheaper because newer models keep occupants safer.
  • Own a Home – Just being a homeowner can save you money since owning and maintaining a home shows financial diligence.
  • Low Miles Discount – Low annual miles may enable drivers to earn slightly better premium rates than normal.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Rio coverage with a few car insurance companies.
  • Theft Deterent Discount – Vehicles optioned with advanced anti-theft systems help deter theft and will save you 10% or more.
  • Driver Safety – Taking time to complete a defensive driver class could earn you a small percentage discount and make you a better driver.
  • Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Paperless Signup – Certain insurance companies will provide an incentive shop car insurance on your computer.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck. But all discounts will bring down your policy cost.

A partial list of companies that have most of the discounts above possibly include:

Before buying, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not apply to policies in your area.

Seven factors that determine insurance premiums

Lots of factors are considered when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other criteria are more transparent such as your marital status or how safe your car is.Consumers need to have an understanding of the rating factors that help calculate the price you pay for insurance. If you have a feel for what influences your rates, this enables you to make decisions that may result in much lower annual insurance costs.

The items below are just a few of the factors used by insurance companies to determine premiums.

  • Vehicle options impact rates – Purchasing a vehicle with an alarm system can save you some money. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your car from being stolen.
  • Low credit rating equals high premiums – Having a bad credit score will be a significant factor in determining what you pay. People that have high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit rating can be improved, you may save money insuring your 2009 Kia Rio if you clean up your credit.
  • Vehicles with better crash test results save money – Safer cars can get you lower premiums. Highly rated vehicles protect occupants better and lower injury rates means less money paid by your insurance company and cheaper rates on your policy.
  • Job stress can make you pay more – Did you know your job can affect your rates? Jobs like fire fightersair traffic controllers and stock brokers have higher average rates attributed to job stress and long work hours. Conversely, professions such as professors, athletes and retirees pay the least on Rio coverage.
  • No insurance gaps is important – Driving without insurance is a misdemeanor and insurance companies will penalize you for letting your coverage have a gap. In addition to paying higher rates, the inability to provide proof of insurance could earn you fines or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Multi-policy discounts can save money – Some insurance companies give lower prices for people who carry more than one policy, otherwise known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even with this discount applied, you still need to compare other company rates to confirm you are receiving the best rates possible.There is a chance you can find better rates by insuring with multiple companies.
  • Extra policy coverages you don’t need – Insurance policies have a lot of extra bells and whistles you can purchase when buying insurance. Coverages like personal injury protection, towing, and term life insurance are examples of these. The coverages may be enticing when discussing your needs, but if they’re wasting money remove them from your policy.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if you might need professional guidance.

  • Can I make deliveries for my home business?
  • Does my 2009 Kia Rio need full coverage?
  • Do I need an umbrella policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Where can I find high-risk insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I buy full coverage?
  • Is my 2009 Kia Rio covered for smoke damage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, hail damage and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Kia Rio.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, pain medications and EMT expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance can cover damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things like legal defense fees, structural damage and loss of income. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, scraping a guard rail, rolling your car and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.

A penny saved is a penny earned

Drivers change insurance companies for any number of reasons including policy non-renewal, delays in paying claims, denial of a claim and delays in responding to claim requests. Regardless of your reason, finding the right car insurance provider can be easier than you think.

As you shop your coverage around, never reduce coverage to reduce premium. Too many times, an accident victim reduced comprehensive coverage or liability limits and learned later that they should have had better coverage. Your focus should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.

Cheap 2009 Kia Rio insurance can be found on the web in addition to local insurance agencies, so get free car insurance quotes from both of them in order to have the best chance of saving money. A few companies may not offer online quoting and most of the time these regional insurance providers work with independent agents.

Additional detailed information can be found in these articles: